OctaPay

Security & Compliance

Your security is our top priority

🛡️ PCI-DSS Level 1 Certified

OctaPay is certified as PCI-DSS Level 1 compliant, the highest level of certification available in the payment card industry. This means we maintain the most stringent security controls to protect your customers' payment data.

🔒 Data Encryption

All sensitive data is encrypted both in transit and at rest using industry-standard AES-256 encryption. We use TLS 1.3 for all communications between your servers and ours, ensuring that payment data cannot be intercepted.

🔐 3D Secure 2.0

We implement 3D Secure 2.0 (3DS2) authentication for all eligible transactions. This adds an extra layer of security by requiring cardholders to authenticate themselves with their card issuer before completing a transaction, significantly reducing fraud.

🎯 Fraud Detection & Prevention

Our advanced fraud detection system includes:

  • Real-time Risk Scoring: Every transaction is analyzed in real-time using machine learning algorithms
  • Velocity Checks: Automated monitoring for unusual transaction patterns
  • Device Fingerprinting: Tracking devices to identify suspicious activity
  • IP Geolocation: Verifying transaction location matches cardholder location
  • BIN Analysis: Checking card issuer information for potential fraud indicators
  • Behavioral Analytics: Monitoring user behavior patterns to detect anomalies

🌐 Compliance & Regulations

We comply with all major international payment regulations:

  • PSD2 (Payment Services Directive 2): Full compliance with European payment regulations
  • GDPR: Complete data protection compliance for EU customers
  • SOC 2 Type II: Independently audited security controls
  • ISO 27001: Information security management certification

👥 Access Control

We implement strict access controls to ensure only authorized personnel can access sensitive data. This includes:

  • Multi-factor authentication (MFA) for all employee accounts
  • Role-based access control (RBAC) with principle of least privilege
  • Regular access reviews and audit logging
  • Background checks for all employees with data access

🔄 Regular Security Audits

We conduct regular security assessments including:

  • Annual PCI-DSS compliance audits by qualified security assessors
  • Quarterly vulnerability scans and penetration testing
  • Continuous security monitoring and incident response
  • Regular code reviews and security testing

📊 Security Monitoring

Our 24/7 Security Operations Center (SOC) continuously monitors for:

  • Suspicious transaction patterns
  • Unauthorized access attempts
  • System anomalies and potential breaches
  • DDoS attacks and other threats

🚨 Incident Response

In the unlikely event of a security incident, we have a comprehensive incident response plan:

  • Immediate containment and investigation
  • Notification to affected parties within required timeframes
  • Coordination with law enforcement and card networks as needed
  • Post-incident analysis and remediation

📱 Secure Integration

Our APIs are designed with security in mind:

  • OAuth 2.0 authentication for API access
  • API key rotation and management
  • Rate limiting to prevent abuse
  • Webhook signature verification
  • IP whitelisting options for enterprise customers

💼 Business Continuity

We maintain high availability and business continuity:

  • 99.9% uptime SLA
  • Multi-region infrastructure with automatic failover
  • Regular disaster recovery testing
  • Encrypted backups with point-in-time recovery

📧 Report Security Issues

If you discover a security vulnerability, please report it responsibly to our security team:

  • Email: security@ledgepay.com
  • Bug Bounty: We offer rewards for qualifying security vulnerabilities
  • PGP Key: Available upon request for encrypted communications
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